1. The applicant's average monthly income is above 4,000 yuan or equivalent in foreign currency, with good comprehensive credit status and no bad credit record;

2. Customers whose credit card holders of China Merchants Bank have spent RMB 65,438+00,000 or equivalent in foreign currency in the last 65,438+0 years (excluding occasional large-scale consumption such as car purchase or production and operation consumption) and spent 6 times in the last 65,438+0 years.

To apply for China Merchants Bank Gold Card, you only need to meet one of the above conditions.

The difference between ordinary card and gold card of China Merchants Bank;

1, and the ordinary card amount is 3000 yuan to 10000 yuan; Gold card 10000 yuan to 50000 yuan;

2. Ordinary cards enjoy preferential treatment in special merchants; There is no discount for gold cards;

3. Gold card customers' credit card consumption mode is set to consumption by signature. 48 hours before the loss of the credit card was reported by the customer, the loss of the stolen credit card was paid by China Merchants Bank, with an annual cumulative amount of 6,543,800 yuan+0.5 million yuan; Ordinary cards total 1 0,000 yuan.

Extended data

Chapter 6 of the Credit Card Charter of China Merchants Bank (Ninth Edition), the rights and obligations of the applicant and the cardholder:

Article 37? Rights of the applicant and cardholder:

1. Cardholders have the right to enjoy the services promised by the credit card issuer, to supervise the service quality of the credit card issuer, and to complain about the services that do not meet the promises.

2. Applicants and cardholders have the right to know the functions, usage methods, charging items, charging standards, applicable interest rates and related calculation formulas of credit cards.

3. The cardholder has the right to obtain the statement of the last 12 months from the card issuer free of charge, except for the specific statement customized by some cardholders.

4. Within the time limit stipulated by laws, regulations and payment and clearing organizations, the cardholder has the right to apply to the card issuer for assistance in obtaining a copy of the purchase order. If the investigation results prove that the transaction is indeed done by the cardholder, the relevant expenses shall be borne by the cardholder.

5. After the loss report takes effect, the cardholder will not bear the economic losses caused by fraudulent use or misappropriation of his credit card, but all the consequences caused by the state organs deducting the funds in the credit card under the cardholder's name according to law will be borne by the cardholder.

Article 38? Obligations of the applicant and the cardholder:

1. The applicant shall provide accurate, complete, true and effective information to the card issuer. Application materials without name or identity information are invalid. If the card issuer deems it necessary, the applicant shall provide the qualified letter of guarantee and other relevant materials to the card issuer.

2. The cardholder and guarantor change their work unit, mailing address, telephone number, e-mail, identity information, organization name, etc. , you should go to the card issuer or contact the card issuer in time to handle the information change procedures. Otherwise, the losses caused thereby shall be borne by the cardholder.

3. Cardholders should properly keep their credit cards, card numbers, expiration dates, digital information in the signature column on the back of the cards, passwords and SMS verification codes. If the credit card, related card information, password or SMS verification code are improperly kept, the cardholder shall bear the losses.

4. The cardholder shall repay the overdraft principal, interest, annual fee, handling fee and other expenses on time as agreed in the contract with the card issuer, and bear the liquidated damages as agreed, and shall not refuse to pay the money owed to the card issuer on the grounds of disputes with merchants or other third parties.

If the credit card documents are incorrect or incomplete, but it is confirmed that the transaction exists and the amount is correct, the cardholder shall not refuse to pay the transaction amount.

5. After using the card, the cardholder shall properly keep the transaction voucher to prevent the card information from being stolen by others. Cardholders should pay attention to checking the statement. If you fail to receive the statement on time, you should take the initiative to check with the card issuer in time.

6. For credit cards that support electronic cash account, electronic cash account transactions are not included in the report, but the credit card account is recharged to the electronic cash account, and the electronic cash account receives the balance from the credit card account. The cardholder shall not refuse to pay the arrears (including the corresponding fees and interests, etc.) to the card issuer. The reason is that he hasn't received the bill yet.

7. If the card issuer increases the credit limit of its account due to the cardholder's good transaction and repayment records, and the cardholder is unwilling to increase the credit limit of the account, it shall request the card issuer to restore the credit limit of its original account through the online banking, mobile banking or customer service hotline of the card issuer within 10 natural days, otherwise it shall be deemed as the cardholder's commitment.

8. Whether the cardholder accepts the adjustment of the credit limit of his account by the card issuer or not, the cardholder shall be liable for paying off the debts that have occurred.

9. The cardholder shall keep the card properly. Once the card is lost, it should be reported to the card issuer through online banking, mobile banking, official credit card client pocket life or customer service hotline in time; The credit card is only for the cardholder's own use, and all consequences arising from renting, transferring or lending the credit card shall be borne by the cardholder himself.

10. In order to prevent risks and protect the interests of card issuers and cardholders, cardholders should cooperate with card issuers and special merchants to complete risk prevention operations.

Official Website of China Merchants Bank-Credit Card Charter of China Merchants Bank (9th Edition)

China Merchants Bank official website-What are the credit card application conditions?

Baidu Encyclopedia-China Merchants Bank Credit Card

China Merchants Bank-Gold Card Application-Online Customer Service